---
title: "Enat Bank: Banking Services in Ethiopia"
description: "Open savings, diaspora or fixed deposit accounts in Ethiopia, bank via *845# USSD or app, and receive remittances via 13+ agents like Western Union."
canonical_url: "https://liners.com/enat-bank"
markdown_url: "https://liners.com/enat-bank.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/enat-bank/screenshot.webp?v=1786894027124"
published_at: "2026-08-16T15:27:35.179Z"
updated_at: "2026-10-01T03:01:43.736Z"
---

# Enat Bank: Banking Services in Ethiopia

Open savings, diaspora or fixed deposit accounts in Ethiopia, bank via \*845# USSD or app, and receive remittances via 13+ agents like Western Union.

## Breadcrumbs

- [Banking](/categories/banking)
- [Enat Bank](/enat-bank)

## Summary

Inclusive banking with USSD and mobile access in Ethiopia

A private commercial bank in Ethiopia offering personal and business banking, USSD and mobile/internet banking, remittance, forex, loans, cards, and diaspora services.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.enatbanksc.com/ |
| Tagline | Inclusive banking with USSD and mobile access in Ethiopia |
| Primary country | Ethiopia |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Enat Bank is a private commercial bank in Ethiopia founded by a group of Ethiopian women entrepreneurs, with operations beginning in **2013** and a stated mission of inclusive banking with a **special focus on women**; women hold roughly **64%** of its shares.

Key services and digital capabilities include:

- **Accounts and deposits**: savings, current, **Professional Salary**, **Diaspora**, and **Fixed Deposit** accounts
- **Loans and financing**: personal and business loans, dedicated **Women's Loans**, **Murabaha** financing (investment and working capital) under Sharia principles, and **MALFIYA** digital lending
- **Digital and payment channels**: mobile and internet banking, **USSD banking** via ***845#**, the **Unite.et** digital payment platform, and merchant/school-payment integrations such as **Arifpay**
- **International and trade services**: diaspora accounts, remittance reception through **13+ partner agents** (including **Western Union**, **MoneyGram**, **Ria**, and **Dahabshil**), **forex**, and **letters of credit**

Available on **Web**, **Android**, and **iOS** (apps), plus **USSD**.

Target users include retail banking customers in Ethiopia, **women entrepreneurs** and women-led households, Ethiopian **diaspora** customers, and business clients needing loans, cards, and trade finance support; the bank also runs **financial literacy** and capacity-building programs for women.

Notable for its founding story and financial growth: Enat reported a pre-tax profit of **834 million birr** for the **2024/25** fiscal year, up **17%** from **714 million birr** the year before, alongside rising assets and deposits. Women occupy major leadership and board roles alongside this shareholding structure.

## Features

- [Banking](/categories/banking): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Commercial Bank](/tags/commercial-bank): Product feature or technology
- [Ethiopia](/countries/ethiopia): Market

## Related pages

- [Alternatives](/enat-bank/alternatives)
- [Reviews](/enat-bank/reviews)
- [Transparency](/enat-bank/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/enat-bank)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)